Is it possible to UPGRADE to PRIVATE CONDO, with ZERO CASH & with Household Income of $5K?

Am I really able to upgrade?

Am I earning enough to afford it?

Is upgrading only for the rich?

Many clients, earning $5k to $7k income, have come to me with the same worries. However, with my meticulous financial planning and step-by-stepCustomized Property Plan, they have since upgraded comfortably and are clear about their investment road map for the next 5 to 10 years.

Can you also be like them to upgrade? The Answer is Yes! In the Free Non Obligation Meet Up, i will share with you as belows:

An in-depth analysis on whether HDB is an Asset or Liability to allow you to understand the price trend and volume transactions and what does this means to you in your property investment roadmap.

How a 11 PFC - Property Financial Consultancy Step-by Step Process can Make Your Money Work Harder For You.

How a 12-G Step by Step Process can creatively enable you to upgrade confidently

Allow you to understand How to use CPF Effectively and Efficiently and How to Avoid Double Whammy that will hinder your property wealth creation

How you can achieve HUGE Potential Upside from your properties and retire earlier

Case Study #1 – HDB to Condo Dream

Mr and Mrs Tan, both 35 and 30 years old respectively, were owners of a 5 Room Ang Mo Kio HDB flat. Their HDB still have existing loan of $349k. They still have a condo dream. My value add to them is to customise a property plan for them to upgrade to a 3 bedroom condo.

After going through the 11- PFC Steps meticulous financial calculations, they are pleasantly surprise and learnt that they are able to upgrade to their condo dream. They mentioned that before this meet up with me, their friends and relatives have discouraged them to upgrade to condo as that is only for the rich, now they are so happy and see in their own eyes that with proper sound advice, upgrading to condo is possible and NOT just for the rich.

Mr & Mrs Tan have since upgraded to the 3 Bedroom New Condominium WITHOUT using any of their savings, and even have a CASH reserve for rainy day. With a clear Customised Property Portfolio road map planned & executed for them, they are now preparing to own even another property for investment.

Case Study #2 - Condominium

Alan earns an income of $5k per month ask if he would be able to buy a $1.3 Mil Condo?

I assisted Alan through a 12-G Steps Process to customise a plan for him to upgrade to $1.3Mil Condo DESPITE him having NO SAVINGS & NOT QUALIFY for Loan due to his INCOME

BUT I HAVE ALMOST FULLY PAID OFF MY HDB, WHY SHOULD I UPGRADE?

If you are like most Singapore HDB Owners today, you are probably servicing your HDB loan using your CPF.

And you might be thinking that it is best to pay off the HDB loan as soon as possible to lower your monthly mortgage.

However, this may be an action that can affect your future financial goal in the NEXT 5 to 10 YEARS!

You need to know how to use your CPFCORRECTLY and EFFICIENTLY!

Avoid Double Whammy

For example, if $200,000 worth of CPF funds is put into your HDB, at the end of 5 years, you LOSE$26,600 in interest earnings.

Selling your HDB at the end of 5 years, you would have to return $226,600 to CPF, which is $26,600 less cashfrom your property sales proceeds.

In Short - a Double Whammy on letting Money work harder for you!! You LOSE earning interest as CPF Fund is locked in HDB & you have LESSER Cash Proceed!!

So how can you Avoid this Double Whammy that is detrimental to your property wealth creation in a longer term?